Consumer, Commercial, Corporate and Government Credit and Risk
This course delves into the nature of lending to all of the various borrowers in the financial markets. It will cover how borrowing and loans are originate to consumers, corporations and governments.
Overview
1.5KSTUDENTS*
94%RECOMMEND*
This course includes:
- 3 hours on-demand video
- Delivered in interactive format with students
- Many downloadable resources
- Certificate of completion
This course delves into the nature of lending to all of the various borrowers in the financial markets. It will cover how borrowing and loans are originate to consumers, corporations and governments (both federal and municipal). It will also address how loans are structured and priced and how risk of default (non-payment and late payment) is managed by the lender. This course is intended to provide a solid understanding of loan origination, pricing, credit risk and portfolio management, and as appropriate, syndication and or sale of the loan. This includes personal loans, auto loans, mortgage loans, student loans, corporate loans, corporate bonds, federal government bond and municipal bonds. We will also address the role of various credit rating agencies that assess the risk of the loan to various parties, as well as the pricing (that is the cost, or interest rate) of the loan or debt. This course is intended to provide a fundamental understanding of credit in the US. How it is obtained, how credit is used, and how banks and financial institutions manage, sell-off and securitize credit in the market to their parties.
Skills You Will Gain
Commercial
Consumer
Corporate
Corporate Bonds
Corporate Loans
Credit Risk
Mortgage Loans
Student Loans
Learning Outcomes (At The End Of This Program, You Will Be Able To...)
- Use the key terminology in the various markets for credit and loans
- Understand the roles of various parties in the credit and loan markets
- Discover the major participants in the lending ecosystem by product type
Step through the processes for originating, structuring and pricing consumer, corporate and government loans and debt - Differentiate between the multiple types of debts and risks involved in each
- Describe the role of third-party credit agencies, and others that assess the risk of a loan, and how that influences the pricing (interest rate) of that loan
- Explain how financial institutions manage, control and mitigate (or assume) risk in a lending (credit) transaction
Prerequisites
- None other than the desire and commitment to learn and participate in this course.
Who Should Attend
- Anyone interested in understanding what banking and financial services organizations do, how they relate to the economy broadly, and the features, functions, and pricing of their products and services
